There have never been any law enforcement calls to or about my residence, or anything else that might reasonably explain someone being "angry or vindictive" towards me or other members of my family.But...

I purchased a bank owned SFH earlier this year and rehabbed it with money from my personal residence HELOC.

By the last year of our marriage, we had sold our vacation home at a $100,000 loss, lost our primary residence in a short sale, and moved to successively smaller rental homes.

Whatever you do, try try try to keep in mind that this is not your personal residence and not a TV design show.

Low income residents just don't take care of things.

I have tried with two smaller lenders(National Bank of Arizona and OneAZ Credit Union) and they have both dragged it out for several months before deciding they wouldn't do the loan for what I perceived to be fairly silly reasons(Management didn't like that the tenant had only been in for 1 year, Management didn't like that the structure used to be a residence, management didn't like that 3 years ago I took a loss in a completely unrelated business etc.)I am hoping that someone out there has had some success purchasing or refinancing commercial property like this in AZ and can put me in touch with someone who actually completes deals like this.

Also buying one and living in it makes it your primary residence allowing you to potentially get a lower interest rate and a lower down payment. 

So if this went to court and you lost (which you would based on the info provided) you will have to pay a hefty penalty, plus the resident's attorney costs and court costs.  

If you reside outside of this map (or on the Nevada side), then your permit requirement will fall under the county rules most likely. 

On your primary residence you should be able to get a HELOC for up to 95% of the current value of your home, subject to DTI restrictions of course (typically 50%).